 But let me tell you this right now, and please, if you're driving or something, listen carefully. The interest rate environment in this world has completely changed. We had, for whatever reason, the printing of money, whatever you want to call it, but the bottom line is we artificially held interest rates down way too long, and that's why we're paying the price we're paying right now. But if you have an annuity that you purchased, you were sold, right?